VPI Pet Insurance

VPI pet insurance was founded back in 1980. It stands for Veterinary Pet Insurance and their first policy for pet healthcare was issued in 1982 to Lassie from the long running television series. Since that time VPI Pet Insurance has issued millions of pet policies. Headquarters for the company is in Brea, California in the United States.

Policies from the company are portable. This means that pet owners who have insurance through VPI have the opportunity to receive care for their pets from any licensed veterinarian in any state or country in the world. The policies are much like an indemnity insurance policy. Those who wish to insure their pets purchase a policy and then pay for their pet’s healthcare. The pet owner is then reimbursed for qualifying services from the company. It is important to understand that hereditary and congenital pet defects are typically not covered in a VPI pet insurance policy. You should check with your insurance agent about any hereditary defects that your pet may have prior to purchasing a policy.

The insurance does cover services in many cases for older pet checkups, medications and illnesses. Certain plans only cover routine veterinary procedures so be certain to read the policy carefully. In addition, the company does not currently enroll cats or dogs that are older than ten years of age. They do however continue to cover pets with prior policies once they reach ten years of age provided there are no lapses in coverage after the pet turns ten. Routine veterinary procedures typically include vaccinations, titers, deworming, flea prevention and general wellness examinations as well as other services that are outlined specifically in each pet owner’s policy.

VPI pet insurance offers two basic medical coverage plans for cats and dogs. These are the VPI Standard and the VPI Superior plans. Both plans provide medical coverage with the same basic conditions with regards to illness and accidents. The premiums for the Standard plan are much more affordable and it carries a maximum annual benefit amount of $9,000. The Superior plan has a higher monthly premium but the maximum annual benefit amount is $14,000 and the reimbursement allowances are a bit higher for each condition. There is an annual benefit cap for each policy but no lifetime limits.

VPI pet insurance plans do not reimburse like traditional plans and the company does not follow a customary fee list. They simply use a benefit schedule that is based on the current national averages for veterinary services. These averages are calculated using many years of data and the benefit schedule is available for all policyholders upon purchase of a policy. Policyholders can opt to view and/or download the fee schedule from the company’s official website. This schedule provides information about the specific veterinary services that are covered under each specific plan and provides an insight into what policyholders should expect with regards to being reimbursed for veterinary care as well as what specific conditions are eligible for reimbursement.

VPI is the oldest standing pet health insurance provider in the United States and are backed by National Casualty Company. They provide wellness protection plans for cats, dogs and other domesticated pets and currently more than 1,500 companies throughout the nation offer this protection to pet owners as an employee benefit just as they do health insurance for employees and their families. The workforce for VPI pet insurance includes more than 60 veterinarian technicians and ten licensed veterinarians. Pet owners who want to ensure that their pets receive healthcare when needed can choose one of the offered policies from the company to receive reimbursement upon eligible veterinary services.

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